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Register a new userEconomic Valuation of Health Insurance Service Using the Contingent Valuation Technique
التقييم الإقتصادي لخدمة التأمين الصحي بإستخدام تقنية التقدير الشرطي
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يهدف هذا البحث إلى: أولاً، استخدام تقنية التقدير الشرطي contingent valuation (CV) في تقييم أقصى مبلغ نقدي يستعد العامل لدفعه سنوياً maximum willingness (to pay (MWTP مقابل الاستفادة من خدمة تأمين صحي بمواصفات محددة. ثانياً، تحديد العوامل المؤثرة في قرار الفرد بالموافقة على الاشتراك بنظام التأمين الصحي المقترح أو الرفض.
The objectives of this paper are: First, to use the contingent valuation technique in estimating respondents' maximum willingness to pay for a suggested programme of health insurance; Second, to identify the factors that have a significant effect on the respondent's decision in approving or disapproving the suggested programme of health insurance.
Artificial intelligence review:
Research summary
تهدف هذه الدراسة إلى استخدام تقنية التقدير الشرطي لتقييم أقصى مبلغ نقدي يكون العاملون في القطاع العام الإداري على استعداد لدفعه سنويًا مقابل الاشتراك في نظام تأمين صحي بمواصفات محددة. تم جمع البيانات من عينة مكونة من 314 فردًا، وأظهرت النتائج أن متوسط الرغبة القصوى بالدفع يبلغ حوالي 19731 ليرة سورية. العوامل المؤثرة في قرار الاشتراك تشمل عدد الأطفال، المعاناة من مرض مزمن، التخوف من الحاجة المستقبلية لعمل جراحي، والدخل. الدراسة تسهم في تحديد السعر المناسب لخدمة التأمين الصحي وتساعد في تصميم برامج التأمين الصحي بما يتناسب مع إمكانيات المشتركين.
Critical review
تعتبر هذه الدراسة خطوة مهمة نحو فهم استعداد العاملين في القطاع العام لدفع مبالغ محددة مقابل خدمات التأمين الصحي. ومع ذلك، يمكن توجيه بعض النقد البناء للدراسة. أولاً، العينة المستخدمة قد تكون غير كافية لتمثيل جميع الفئات العمرية والاجتماعية في المجتمع السوري. ثانياً، الدراسة اعتمدت بشكل كبير على الاستبيانات، والتي قد تتأثر بتحيزات الاستجابة. ثالثاً، لم تأخذ الدراسة في الاعتبار العوامل الثقافية والاجتماعية التي قد تؤثر على قرار الاشتراك في التأمين الصحي. وأخيراً، قد يكون من المفيد إجراء دراسات مشابهة في مناطق أخرى من سوريا أو في بلدان عربية أخرى للحصول على نتائج أكثر شمولية.
Questions related to the research
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ما هو الهدف الرئيسي من هذه الدراسة؟
الهدف الرئيسي هو استخدام تقنية التقدير الشرطي لتقييم أقصى مبلغ نقدي يكون العاملون في القطاع العام الإداري على استعداد لدفعه سنويًا مقابل الاشتراك في نظام تأمين صحي بمواصفات محددة.
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ما هي العوامل الرئيسية التي تؤثر على قرار الاشتراك في نظام التأمين الصحي؟
العوامل الرئيسية تشمل عدد الأطفال، المعاناة من مرض مزمن، التخوف من الحاجة المستقبلية لعمل جراحي، والدخل.
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ما هو متوسط الرغبة القصوى بالدفع الذي توصلت إليه الدراسة؟
متوسط الرغبة القصوى بالدفع هو حوالي 19731 ليرة سورية سنويًا.
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كيف يمكن استخدام نتائج هذه الدراسة في تصميم برامج التأمين الصحي؟
يمكن استخدام النتائج لتحديد السعر المناسب لخدمة التأمين الصحي بما يتناسب مع إمكانيات المشتركين، وتصميم برامج تأمين صحي تلبي احتياجاتهم وتوقعاتهم.
References used
Alberini, A., Boyle, K. and Welsh, M. 2003- Analysis of contingent valuation data with multiple bids and response options allowing respondents to express uncertainty. Journal of Environmental Economics and Management, (45):40–62
Bateman et al, editors. 2005- Economic Valuation with Stated Preference Technique. A Manual. Edward Elgar
Bärnighausen, T., Liu Y., Zhang X., and Sauerborn, R. 2007- Willingness to pay for social health insurance among informal sector workers in Wuhan, China: a contingent valuation study. BMC Health Service Research. 20(7): 114
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